Filed October 11, 2017
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $42,867 | $105,623-59.4% | $87,502-51.0% | $273,970-84.4% |
| Participation rate | 55.0% | 78.2%-23.2pp | 73.8%-18.8pp | 83.0%-28.0pp |
| Annual return | 4.24% | 12.26%-8.0pp | 12.21%-8.0pp | 41.46%-37.2pp |
| Employer contribution / active EE | $0 | $3,141-100.0% | $2,550-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $2,229 | $3,601-38.1% | $3,149-29.2% | $5,287-57.8% |
| Admin fee / account holder | $466 | $4,781-90.3% | $4,221-89.0% | $10,132-95.4% |